Occupational Packages
In addition to our customised solutions, we’ve designed three simple packages – Essential, Classic and Premier – for each of the main salaried and self-employed occupational classes for dentists. Each package is designed to meet varying levels of affordability and comprehensiveness of cover.
To select the package which is right for you, first choose which occupational class most closely describes your current occupation. This will determine the deferred period for your income protection contract. If you select ‘General Dental Services’, you then have a further choice of five deferred periods:
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Occupational Class
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Community Dental Services
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Dental Public Health
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Dental Teachers Group
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Hospital Dental Services
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General Dental Services
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Deferred Period
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Half your cover has a deferred period of 26 weeks and the other half has a deferred period of 52 weeks
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Benefits payable from the first day of incapacity
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Deferred period of 4 weeks
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Deferred period of 13 weeks
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Deferred period of 26 weeks
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Deferred period of 52 weeks
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Next choose the features you’d like within your contract, by selecting one of the three package types – Essential, Classic or Premier:
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Essential Package
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Classic Package
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Premier Package
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Standard Features
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Level Benefits
Benefit payments remain at a constant level in the event of a long-term claim
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Indexation of Benefit Payments
Benefit payments increase in line with inflation in the event of a long-term claim
Escalation of Cover
Cover increases each year in line with inflation
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Indexation of Benefit Payments
Benefit payments increase in line with inflation in the event of a long-term claim.
Escalation of Cover
Cover increases each year in line with inflation.
Increasable Sickness Benefit
Cover can be increased by up to 30% at certain points in the future without the need for further medical evidence.
Severe Disability Benefit
Regular top-up payment of 20% paid in the event of severe disability.
Enhanced Death Benefit
One-off lump sum paid to your estate if you die because of the illness or injury within 12 months of the start of a claim.
Level Premiums
Premiums remain at a constant level and do not increase with age.
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If you choose a packaged contract, you’ll be given a shareholding of 1 Share as standard, but you can choose additional Shares. Click here for more information on our shares.
If you’re considering applying for membership of Dentists’ Provident, you should read the Key Features Document as it contains important information about the terms and conditions of membership.
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